Access to consumer credit in the UK

Solomon Y. Deku; Alper Kara; Philip Molyneux

doi:10.1080/1351847X.2015.1019641

Access to consumer credit in the UK

Solomon Y. Deku, Alper Kara, Philip Molyneux

Ysgol Busnes Bangor

University of Hull

Allbwn ymchwil: Cyfraniad at gyfnodolyn › Erthygl › adolygiad gan gymheiriaid

507 Wedi eu Llwytho i Lawr (Pure)

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This paper investigates household access to consumer credit in the UK using information on 58,642 households between 2001 and 2009. Employing a treatment-effects model and propensity score matching, we find that non-white households are less likely to have financing compared to white households. We also find that even if they obtain financing, the intensity of borrowing is lower than for white households. Overall, non-white households seem to be in a weaker position to access consumer credit in the UK

Iaith wreiddiol	Saesneg
Tudalennau (o-i)	941-964
Cyfnodolyn	European Journal of Finance
Cyfrol	22
Rhif cyhoeddi	10
Dyddiad ar-lein cynnar	9 Maw 2015
Dynodwyr Gwrthrych Digidol (DOIs)	https://doi.org/10.1080/1351847X.2015.1019641
Statws	Cyhoeddwyd - 2016

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10.1080/1351847X.2015.1019641

2015 Access to Consumer Credit in the UKLlawysgrif awdur wedi’i dderbyn, 379 KBTrwydded: !!Unspecified

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title = "Access to consumer credit in the UK",

abstract = "This paper investigates household access to consumer credit in the UK using information on 58,642 households between 2001 and 2009. Employing a treatment-effects model and propensity score matching, we find that non-white households are less likely to have financing compared to white households. We also find that even if they obtain financing, the intensity of borrowing is lower than for white households. Overall, non-white households seem to be in a weaker position to access consumer credit in the UK",

author = "Deku, {Solomon Y.} and Alper Kara and Philip Molyneux",

note = "This is an Accepted Manuscript of an article published by Taylor & Francis in European Journal of Finance on 09/03/2015, available online: http://wwww.tandfonline.com/10.1080/1351847X.2015.1019641.",

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PY - 2016

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N2 - This paper investigates household access to consumer credit in the UK using information on 58,642 households between 2001 and 2009. Employing a treatment-effects model and propensity score matching, we find that non-white households are less likely to have financing compared to white households. We also find that even if they obtain financing, the intensity of borrowing is lower than for white households. Overall, non-white households seem to be in a weaker position to access consumer credit in the UK

AB - This paper investigates household access to consumer credit in the UK using information on 58,642 households between 2001 and 2009. Employing a treatment-effects model and propensity score matching, we find that non-white households are less likely to have financing compared to white households. We also find that even if they obtain financing, the intensity of borrowing is lower than for white households. Overall, non-white households seem to be in a weaker position to access consumer credit in the UK

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Access to consumer credit in the UK

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